WV HB2103

Protects head of household wages up to minimum wage (calculated at 50 hours/week, 52 weeks/year) from garnishment for consumer credit or installment debt defaults

Exempts the first $5,000 of assessed homestead value from creditor collection when the property is used exclusively as the owner's residence

Shields all annuities, life insurance proceeds (including cash surrender value), and disability or death benefit income from collection actions

Protects tax-advantaged retirement accounts (Roth IRA, traditional IRA, 401k) and prepaid college funding accounts from creditor judgments and garnishments

Exempts Social Security income from collection, judgment, or garnishment for consumer credit defaults; applies only to permanent West Virginia residents